Ikhodi isihloko umlando credit ezitholakala Savings Bank?

Ikhodi isihloko umlando credit - iqoqo amanani ezinombolo futhi ngezinhlamvu, kusetshenziselwa ukufinyelela kudatha wokuvikela kukhathalogu Central Credit Histories (CCCH). Ngalo ýkhasýmende izikhungo amaklayenti nazo uma beza ebhange ngoba izimali ezibolekwe. Umqondo "Umlando wokukhokha kwemali" eRussia namuhla indlela busekelwe izingqondo izakhamuzi, kanye igama elithi "credit". Futhi ngakho konke kusenjalo nesithakazelo, lapho ungathatha lolu hlobo ulwazi. Ukuze idatha efana, kudingeka siqale unekhodi tesifundvo yomlando credit. Wazi kanjani -ke bese uma kwenzeka engekho, sithatha a eduze bheka ngezansi.

ikhodi Injongo

Ukuze siqonde injongo yalesi ikhodi kuncike, sibheke isibonelo. Ýkhasýmende isikhungo kuwo isicelo loan, ukuthi unikeze umlando credit. Kodwa ungazi lapho ukuthola ukwaziswa okunjalo. Ngakho akudingeki zungeza wonke amagama abantu abathenga ngesikweletu, ungasebenzisa website ye-Central Bank, esigabeni CCCH. Faka siqu ulwazi kanye credit umlando ikhodi yakho isihloko, funda Bureau, equkethe ukwaziswa okuhlobene isimo CI, kulula. Ukuze nabakhwabanisi abakwazanga ukubona lolu lwazi ngawe, nokwazi imininingwane iphasipoti, futhi livele ikhodi ndaba.

Yini odinga ukuyazi umlando ngesikweletu?

1. Ukuze ukwazi isimo ngokuphathelene zokwelapha ezidingekayo ukuze uqiniseke ukuthi wena akudingeki credit izikhungo, okuye etholwe ukukhwabanisa. Njengoba akuyona inkinga njalo negative umugqa wesikweletu iphutha yebhange bezikhali umboleki sika. Amakhasimende imvamisa baba yizisulu izigebengu. Ngaphezu kwalokho, kukhona amacala lapho kungenzeka umlando credit kubhekwe bangenwe iphutha abasebenzi weemali ngubani ngephutha eqoshiwe loan egameni lakho. Ezimweni ezinjalo, ungafaka ingxabano idatha eyiphutha.
2. Ukwazi lokhu kwaziswa, kungenzeka ukwazi izizathu zokunqaba amabhange wokuboleka bese alungise leso simo.

Kangakanani umlando ngesikweletu?

Obolekayo uthola imalimboleko ebhange futhi iqala ngokwesimiso sansuku, ke abuyisele ngaphandle ukubambezeleka. Ngakho uqala ukwakha credit umlando yimuphi umboleki. Kuyinto kulokhu kuyoba omuhle, ngoba azikho delinquencies.

Kodwa cabangela isimo esaba khona lapho, ngokuba ngabe yisiphi isizathu, babevalelwa inkokhelo elandelayo, noma mhlawumbe izikhathi ezingaphezu kwesisodwa. ezimbi Ngempela, futhi uma ungenayo akhokhe isikweleti sakho sikhungo obolekisayo. Yilokho uma kukhona ukuwohloka emlandweni, futhi isikhathi libe negative emehlweni yisikhungo sezinhlangano eziphambili zezezimali.

Cishe zonke izikhungo yasebhange Ukukhishwa ukunakwa pay sokubolekwa Umlando wokukhokha kwemali yekhasimende. Lapho izindaba ezinhle bazimisele ukukunika ukuboleka emigomeni izindawo ezingconywana. Futhi okubi wena Cishe elinde ukwehluleka. Nakuba phakathi amabhange, kukhona labo ezisebenza ababoleka abanomlando credit negative, kodwa izimo zabo abanokhahlo, futhi zenzalo - extortionate.

Kuyini umbiko credit?

1. Cover ingxenye. Lesi sigaba kuhlanganisa ulwazi mayelana umboleki - igama, imininingwane iphasipoti, inombolo TIN nokunye.
2. Engxenyeni eyinhloko uqukethe lonke ulwazi mayelana oyitholile credits, okungukuthi - ubonise, igama ebhange elikhiphe loan, ukuba khona noma ukungabi imali esalele emuva, igama elithi ukubuyiswa kwemali.
3. kwesigaba Kuvaliwe iqukethe idatha mayelana amabhange elikhiphe izimali loan.

Kuphi ukuthola CI ikhodi?

Ikhodi isihloko umlando credit inqunywe iklayenti ye ibhange uma ungena nesivumelwano sokubolekwa. Ngokwesibonelo, Sberbank kudedela salokhu ekhethekile lokusebenza inkontileka. Futhi kwezinye amabhange ke ohlala kuso kuyakhulunywa ngaso umbhalo yalesi sivumelwano.

Ikhodi Umlando wokukhokha kwemali - inhlanganisela izinombolo kanye namagama, futhi kufanele yaziwe kuphela umboleki.

Uma ikhodi asikasethwa ekwamukelweni izimali ezibolekwe, kungaba akhuphukele kamuva. Lokhu kudinga isicelo ngqo CRB noma vakashela yimuphi yasebhange.

Ikhodi kuncike engeziwe

Uma une Office ikhodi CI, ungafaka ikhodi eyengeziwe. Yena, ngokungafani nengaphakathi isetshenziswa kuphela enyangeni eyodwa kusukela ngosuku kumiswa.

Ngokuvamile, ikhodi wadala ukuze, lapho umlando izidingo iklayenti sika komunye umuntu, isibonelo, ibhange akazange anikeze kuye nge kwemvume ebhaliwe isikhathi ngasinye. Ungakwazi nje mnike ikhodi eyengeziwe, ngalo bayokwazi ukufinyelela ulwazi olufanele we umboleki inyanga. Ekupheleni kwesikhathi ikhodi eyengeziwe, yena kukhanselwe.

Kanjani ukuze uthole ikhodi eyengeziwe?

Inqubo kokufaka ikhodi eyengeziwe yakhiwa izinyathelo ezilandelayo. elandelayo:

1. Ngena website Central Bank.
2. Faka ikhodi ye isihloko umlando credit (indlela ukuyibona uma yokulahlekelwa - Kuchazwa kabanzi lapha ngezansi).
3. Gcwalisa ifomu esabelweni ikhodi eyengeziwe.
4. Nikeza ikhodi eyengeziwe.

Nakuba inqubo yokuthola ikhodi eyengeziwe lilula, iqinisekisa ukuvikelwa idatha yomuntu siqu umboleki.

Indlela ukushintsha ikhodi le ndaba?

Ukushintsha umboleki ikhodi kuncike unelungelo lokuthathwa njengomsulwa zisebenza kunoma yikuphi isikhungo sezezimali, hhayi kuphela lapho wathatha udumo. Ibhange kuzothumela isicelo ku-credit bureau, lapho uthola CCCH, futhi lapho uzokwazi ukuphendula. Impendulo evela CCCH uthola ehhovisi, futhi ukusuka lapho - ebhange kanye umboleki. Ukushintsha nqubo ngokushesha, ungakwazi ngokushesha uxhumane i-credit bureau.

Wazi kanjani ukuthi ikhodi ye-ndaba?

Sesihlole amaphuzu ayinhloko, esesikhundleni ikhodi sendaba Umlando wokukhokha kwemali. Wazi kanjani-ke uma ukhohlwe ke? Kunezindlela eziningana:

1. Ungathola ikhodi sendaba Umlando wokukhokha kwemali ebhange, lapho ayemiselwe ukuyamukela udumo. abasebenzi Bank kufanele ubike ikhodi ngesicelo amaklayenti yokuqala. Obolekayo kuleli cala kuyadingeka ukuba iphasiphothi.
2. Ikhodi elikhona nesivumelwano sokubolekwa esiye bafaka ukuboleka izimali. Kuthathwa kuyoba indlela elula kwencazelo umlando credit ikhodi ndaba.
3. Wazi kanjani ikhodi ukude? Ungakwazi ukuqasha amasevisi isevisi yeposi. Ukuze wenze lokhu, ugcwalise isicelo, okuyinto kufanele iqinisekiswe ummeli olungisa izivumelwano. Khona-ke isicelo kanye irisidi yokukhokha amasevisi ummeli olungisa izivumelwano ethunyelwe NBCH. Kuzoba Ukushintsha ikhodi bese uthumela ekhelini lakho idatha entsha.
4. Nge isicelo esifanayo, ungakwazi zisebenza kunoma yikuphi-credit bureau. Ngaphezu kwalokho, lo muntu obolekayo kumele kube ophethe i-passport. Ngesisekelo le mibhalo, uzothola ikhodi entsha isihloko umlando credit.

Wazi kanjani uma ungathathi loan kanye empilweni yami, le khodi? I last izindlela ezimbili Site Kulokhu.

Kuyaphawuleka ukuthi uma ulahlekelwa ikhodi angeke siyibuyise, ungakwazi kuphela uthole elisha. Kodwa ungacabangi ukuthi ulwazi umlando credit bayozibuthela futhi, zonke "izono" ukuze ukwazi ukufihla.

Wazi kanjani ukuthi ikhodi ye-ndaba Savings Bank?

Uma lo muntu obolekayo odinga ukukwazi ikhodi sendaba Umlando wokukhokha kwemali, Sberbank wayengakwazi ukutshela. Futhi ngenxa yokuthi lokho kwaziswa kutholakala azigcinwa ebhange, futhi i-credit bureau. Ngakho-ke kungcono uma lo muntu obolekayo ukubhekana ngqo. Ukuze ugweme imikhonyovu, kufanele uthintane neHhovisi ababedlula ukubhaliswa isimo. On website esemthethweni NBCH ungathola ifomu lesicelo ukuze uthole ikhodi entsha isihloko umlando credit.

Ngingasitholaphi ikhodi Savings Bank, uma imalimboleko yatholwa khona? You umane kudingeka uxhumane ilungu yasebhange passport yakho. Ubizwa kufanele abike lokho kwaziswa nesicelo sokuqala kusukela iklayenti.